Toplight, 21A Church Close, Chedgrave, Norwich, NR14 6NH

UPRN:2630105939Detached House5 bedsBuilt 1976-1982

FreeholdCouncil Tax: Band EEPC: C (69)

Data freshness:Listing· freshPlanning· 1mo agoEPC· 6mo agoRisk· 5mo agoConnectivity· 1mo agoSchools· 1mo agoAmenities· 2mo agoArea· Census 2021

Toplight, 21A Church Close, Chedgrave, Norwich, NR14 6NH

HP Score

/ 100

Strong

Verdict

4 days ago

Verdict: INVESTIGATE, on a scale of Buy, Investigate, Avoid.
Strong fundamentals; flood risk not assessed

Evidence

17 of 21 sources

Sale Estimate

£676,000

£540k - £811kLow

Estimate

£676k

Range

£540k – £811k

Rent Estimate (pcm)

£2,650

£2k - £3k

Monthly

£2,650

Yield

4.24%

Verdict

Derived from HomePortfolio scores

Toplight earns an INVESTIGATE rating with HP Score 75/100. Investment score 67/100 reflects moderate fundamentals. Crime intensity is very low. Walkability is limited (57/100). Flood risk is not assessed: check the Environment Agency long-term flood map before offering. Tenure is freehold. Every figure here comes from the live HomePortfolio API; anything it does not publish is left out.

Key SourcesEPC RegisterPortal listingsOfcom Connected NationsMarket estimates (third-party AVM)Defra strategic noise mapping, England Round 4 (Contains Defra data © Crown copyright and database right 2023-2024, Open Government Licence v3.0)Walk ScoreONS Census 2021Police.ukHM Land Registry company ownershipHM Land Registry covenantsHM Land Registry Price PaidPlanIt / council planning portalsOverture Maps PlacesOfsted / DfE GIAS

HP Score

75/ 100

Strong

Investment Score

67/ 100

Moderate

Crime Score

9/ 100

Low

Walkability

57/ 100

Moderate

Transit & Bike

Transit 37Bike 49

Walk Score, out of 100

Opportunity

Not scored as an opportunity

We will not put a number on this one.

headline score requires valuation_edge (estimate confidence LOW below scoring floor)

What we could establish

Rental economics0/40
gross yield 4.2%; range width penalty ×0.82
- valuation_snapshotsrent estimate 2650/mo (range 2400-2900)· as of 10 Oct 2026· verify before relying on this
Stress margin0/30
stressed cash flow -1,346/mo, -51% of rent (6.75% on a 75% loan; no service charge or ground rent disclosed); fails the stress - earns nothing
- underwriting_assumptionscosts not disclosed by the advert· as of 5 Nov 2026
Risk & liquidity9.2/15
300 sales/12mo in area; valuation range width 40%
- property_intelligencetransactions_12mo

Withholding a score is deliberate. A number built on missing or stale inputs would look more certain than the evidence allows.

Economics

What happens to your money

Your assumptions

Purchase price£750,000

At the asking price

Monthly rent£2,650/mo

Evidenced range £2,400-£2,900

Interest rate5.4%

Loan to value75%

Cash required: £253,800
Net cash flow: -£697/mo
Cash on cash: -3.3%
Score at this price: -

After a 8% void allowance, 15% management and 10% maintenance. Lender coverage (rent ÷ interest): 1.05 - below the usual 1.25 test. These are your assumptions, not evidence: only the pre-filled rent and price come from the record.

Evidence

Where every number comes from

valuation_snapshotsrent estimate 2650/mo (range 2400-2900)Rental economics · as of 10 Oct 2026 · verify before relying on this
underwriting_assumptionscosts not disclosed by the advertStress margin · as of 5 Nov 2026
portal_listingsprice_changes + first_published_dateSeller motivation · as of 5 Nov 2026
property_intelligencetransactions_12moRisk & liquidity

Sold comparables in depth Valuation methodology

Risks

What could kill this deal

Score confidence is low
largely a single source - treat the number as a prompt, not a conclusion
Valuation edge could not be scored
estimate confidence LOW below scoring floor
Rental economics needs verification before you rely on it
rent estimate 2650/mo (range 2400-2900)

Plan

Before you offer

1. Get two written rental appraisals from local lettings agents.
The rent estimate rests on area-level evidence, not lettings on this street.
2. Fill the valuation edge gap before relying on the score.
estimate confidence LOW below scoring floor
3. Commission a full structural survey, not a basic condition report.
The score prices market evidence, not the fabric of the building.

Every step above was generated from a specific gap or flag in the evidence - no generic advice, no invented tasks.

Valuation & Market

Sale Estimate£676,000

Rent Estimate (pcm)£2,650

Gross Yield4.24%

1y Growth-65.1%

3y Growth-0.5%

5y Growth-0.6%

10y Growth+3.3%

Last Sold Price-

View Market Details

Risk Overview

Flood RiskUnknown
SubsidenceModerate
RadonLow
MiningUnknown
LandslideLow
Air QualityLow
NoiseLow

View Full Risk Report

Planning Activity

Recent Apps

0NR14 6NH

Approval Rate

-12mo

Development

low

2026/3054
2 No. Ash trees - Fell under an exception of the Conservation area restrictions for dead/dangerous trees
Approved
2026/2805
Installation of a portacabin for emergency service (Police) use within the existing Loddon Fire Station site, owned by Norfolk County Council and adjustments to site Security Improvements for Norfolk Fire and Rescue Service
Pending
2026/2468
Non-material amendment of 2023/3613 - Addition of Electrical Substation
Conditions

View Planning Timeline

Ownership

Corporate Ownership74.2%
Overseas OwnershipNo
Lease Term Remaining-
CovenantsRestrictive
Lease TypeFreehold
Last Ownership Change-
SourceLand Registry

View Ownership Details

Connectivity

Broadband (Standard)

18 Mbps

Mobile 4G/5G Coverage

EV Charger

PTAL Rating

View Connectivity Map

Area Profile

Median EarningsLocal authority£32,934

Population Density77 /km²

Owner Occupied67%

Age Distribution

0-15 18%16-64 57%65+ 25%

View Area Profile

Schools Nearby

Loddon Junior School
0.5 mi
Inspected as Loddon Junior School (URN 121192) on 5 Nov 2024
Loddon Infant and Nursery School
0.5 mi
Inspected as Loddon Infant and Nursery School (URN 121203) on 8 Oct 2024
Hobart High School
0.5 mi
Good
Langley School
1.1 mi
Inspected by ISI

2 of 11 nearby schools with published figures were oversubscribed in 2026 - demand, not a catchment.

View All Schools

Comparables

View All

31 Church Close
-
£300k
-
37 Church Close
-
£290k
-
21B Church Close
-
£830k
-
25 Church Close
-
£300k
-

Boundary data not available for this property

No registered title polygon, building footprint, or street match for this property yet.

Why: No HMLR INSPIRE / OSM footprint / OS Open USRN match for this UPRN

Source: HM Land Registry INSPIRE / OpenStreetMap / OS Open USRN